Reply. Hi Melissa: To completely avoid mortgage insurance payments, you would have to put 20% down and it has to be a conventional loan. However, if you go with a conventional loan for your next home, you can take a look at a lender-paid mortgage insurance program like PMI Advantage.
Theoretically, you can become lactose intolerant at any point. While it is true that most people show their intolerance to lactose early in life, people can get it in their teenage years, or even in adulthood. Lactose intolerance is caused by a deficiency in the enzyme lactase in the inner lining of the GI wall.
The âmilk challengeâ is the easiest way to see if you are lactose intolerant. Avoid eating and drinking all dairy products such as milk, ice cream, and cheese for several days. Drink a glass of milk and see if you have all the usual stomach problems within an hour of drinking it.